子女教育金理财规划

发布时间：2018-05-11 08:03

本文选题：教育金 + 理财规划　；参考：《昆明理工大学》2013年硕士论文

【摘要】：在知识经济的时代,子女的教育问题一直为各个家庭所重视。近几年来,子女的教育金支出成为了家庭的一项重要开支,子女教育目标的实现需要巨额的资金。因此,科学、合理地规划子女教育金对一个孩子、一个家庭乃至整个社会都具有重要的现实意义。本文首先通过对国外子女教育金理财规划发展历程的回顾和分析,对比国内目前子女教育金理财规划的发展现状,梳理出国外子女教育金理财规划发展的成功经验和我国目前存在的不足,并对目前我国存在的几种子女教育金理财工具进行了收益与风险的对比分析。然后,结合生命周期理论、投资组合理论、时间价值理论以及不同家庭的理财目标,归纳出与家庭教育目标相匹配的投资理财策略。最后,以一个典型家庭的教育金理财规划为案例,测算出子女教育金的大小；提出了该家庭的教育金理财规范方案及其对应的投资组合策略。案例分析表明,教育金理财规划有助于教育支出的平滑化,从而实现子女的教育目标。
[Abstract]:In the era of knowledge economy, the education problem of children has always been paid attention to by all families. In recent years, the educational expenditure of children has become an important expense for the family, and the realization of the education goal of children needs a huge amount of money. Therefore, the scientific and rational planning of the child's education fund is of great importance to a child, a family and even the whole society. This article first through the review and analysis of the development course of foreign children's financial planning of education gold, compared the current development status of domestic child education financial planning, combing the successful experience of the development of financial planning for female educational gold and the shortcomings of our country at present, and the seeds of our country at present. A comparative analysis of income and risk is carried out in women's financial financial tools. Then, combined with life cycle theory, investment portfolio theory, time value theory and the financial goals of different families, the investment financing strategies that match the family education goals are summed up. Finally, a typical family financial planning is taken as a case. The size of the child's education fund and the family's financial management plan and its corresponding portfolio strategy are put forward. The case analysis shows that the financial planning of the educational fund helps to smooth the education expenditure so as to achieve the education goal of the children.

【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】